Business Details
26 Years
experience
Expert Mortgage Brokers in Hilton
VA Mortgages has established itself as a trusted mortgage advisory service since 2000, offering independent whole-of-market expertise. Our team of qualified professionals specialises in residential and commercial mortgages, equity release, and associated financial products. With a client-centric approach, we prioritise transparency, personalised guidance, and long-term relationships. Our advisors hold advanced qualifications from the Chartered Insurance Institute, ensuring technical excellence in mortgage advice. We serve diverse clients, from first-time buyers to property investors, with a proven track record of securing tailored solutions.Our commitment to ethical practices and regulatory compliance underpins every recommendation. Over two decades, we've built a reputation for navigating complex markets and delivering stress-free transactions. Client testimonials highlight our responsiveness, market knowledge, and ability to secure competitive rates. As an FCA-authorised firm, we maintain rigorous professional standards while adapting to evolving market conditions. Our holistic approach considers clients' broader financial goals, ensuring mortgage solutions align with their long-term objectives.
Services
Remortgaging
Equity Release
First Time Buyer
Buy-to-Let
Commercial Mortgages
Contractor Mortgages
Life Insurance
Income Protection
Home Insurance
Mortgage Process Guidance
Details
- Year established: 2000
Highlights and features
- We offer 25+ years' experience in mortgage advisory services
- Our team holds advanced qualifications from the Chartered Insurance Institute
- We provide whole-of-market access to 1000+ mortgage products
- Our advisors maintain FCA-authorised status for regulatory compliance
- We guarantee transparent fee structures with no hidden charges
Associations and certifications
- Financial Conduct Authority
What people say
Exceeded expectations
Professional and helpful
Stress-free process
Prompt service
Extensive market knowledge
Services
Remortgaging
We help homeowners secure better mortgage rates when their fixed term ends. Our advisors analyse current market conditions and client circumstances to identify optimal remortgaging opportunities. Clients benefit from reduced monthly payments, improved loan-to-value ratios, and access to more favourable terms through our whole-of-market panel.
Equity Release
Our equity release specialists help homeowners over 55 access tax-free cash from their property. We explain lifetime mortgage options and their inheritance implications. Clients receive personalised illustrations showing how different products affect their financial position while maintaining regulatory compliance.
First Time Buyer
We guide first-time buyers through the mortgage process with clear explanations of deposit requirements and loan-to-value calculations. Our step-by-step approach simplifies property purchases, covering fixed vs variable rates and repayment structures. Clients gain confidence through transparent advice about market conditions and affordability assessments.
Buy-to-Let
We arrange cost-effective mortgages for property investors, whether for single properties or portfolios. Our expertise includes navigating tax implications, rental income calculations, and portfolio management strategies. Clients benefit from competitive rates and tailored solutions that maximise investment returns.
Commercial Mortgages
We provide mortgage solutions for commercial property purchases, including owner-occupied and investment properties. Our advisors explain different lending criteria, deposit requirements, and repayment structures. Clients receive tailored advice about financing options that align with their business growth strategies.
People
Mark Stanton
Director
With 25 years' experience, Mark holds advanced mortgage qualifications including the Certificate in Advanced Mortgage Advice. He co-founded VA Mortgages in 2000 and specialises in complex mortgage solutions.
Les Blackman
Director
A 23-year veteran in financial services, Les specialises in finding mortgage solutions for challenging cases. He joined VA Mortgages in 2002 and holds the Mortgage Advice Qualification.
Sara Partridge
Director
As a founding member with 25 years' experience, Sara transitioned from mortgage advisory to financial management in 2005. She holds the Full Financial Planning Certificate and oversees operational systems.
Wendy Spaxman
Mortgage Advisor
Qualified since 2014, Wendy joined VA Mortgages in 2023 after working in conveyancing. She holds the Certificate in Mortgage Advice and specialises in mortgage and protection needs.
David Birnbaum
Insurance Specialist
With 32 years' experience, David specialises in life cover and income protection. He joined VA Mortgages in 2009 and now acts as an introducer, leveraging his extensive industry knowledge.
Questions
What mortgage services do you offer?
We provide remortgaging, equity release, first-time buyer mortgages, buy-to-let options, and commercial mortgages for both owner-occupied and investment properties.
Are you regulated by the FCA?
Yes, we're an Appointed Representative of The Right Mortgage Ltd, authorised and regulated by the Financial Conduct Authority under reference 681800.
What fees do you charge?
Our typical mortgage advice fee is £595, clearly disclosed before starting any work, with no hidden charges or unexpected costs.
How do you find competitive rates?
As whole-of-market brokers, we access 1000+ mortgage products including exclusive broker-only deals unavailable through direct lenders.
Can you help with complex cases?
Yes, our team specialises in challenging scenarios including self-employed applicants, poor credit histories, and unique property types.
What areas do you cover?
We operate nationwide across the UK, serving clients from Hilton, Cambridgeshire and beyond through our online and telephone advisory services.
